When applying for a credit card, banks usually need to make a comprehensive evaluation of the applicant. Usually, if the comprehensive score is insufficient, the credit card application will fail. So is there a problem with personal credit information without credit card points? Let's get to know each other.

Insufficient credit card points is a problem with credit reporting?

The comprehensive score of credit card is a comprehensive evaluation of users, and credit information is only one of the reference factors. In addition to credit information, there are many factors that affect users' comprehensive scores, such as users' assets, work, company nature, income, marital status, education and so on.

When the user applied for a credit card, he was rejected because of insufficient comprehensive score. You can try to find the reasons from the following aspects:

1 Credit information: Personal credit information with stains or bad records will lead to the failure of credit card application.

2 Work and income: Work unit, working hours and income will all affect the score. Under normal circumstances, enterprises and institutions are often regarded as high-quality corporate customers. Personal income determines repayment ability.

Personal qualifications: Personal qualifications include age, education, marriage, household registration, etc. Usually, this category is only applicable to specific credit card products.

To sum up, the lack of comprehensive credit card score is not only due to credit problems, but also personal income, work and other problems, which may lead to the failure of credit card application.